August 20, 2025

Smarter Outreach for Driving Digital Payments Post-Reg F

By Frank Woodhouse, Digital Product Manager, RevSpring Inc.

What High-Performing Agencies Are Doing Differently?

Debt collection continues to evolve, and for seasoned agencies, the question isn’t what Reg F says. It’s how to use it to build smarter, more effective digital outreach strategies while maintaining the high compliance standards you’re already meeting.

Reg F clarified what’s allowed in digital communications. The focus now is on applying that clarity to improve outreach, increase payments, and reduce operational costs. Here’s how top agencies are putting that into practice.

Digital Communication Is a Strategic Advantage

Reg F removed the legal uncertainty around digital channels. Email and SMS are now clearly permitted if consent, frequency, and disclosure rules are followed.

Leading agencies are using this to shift more outreach to digital. It’s faster, more cost-effective, and meets consumers where they are.

Consent Practices Matter

Most agencies have a process in place to manage consent. But those seeing the strongest results are making express consent a core part of the customer journey.

Collecting express consent early—during onboarding, payment workflows, or through self-service—opens the door to including payment links, reducing friction, and speeding up resolution.

Reevaluating Frequency with the 7-in-7 Rule

The 7-in-7 rule applies to phone calls, not digital messaging. This creates flexibility to use email and SMS more strategically, as long as the cadence remains respectful and opt-outs are honored.

Agencies are optimizing their contact strategies by shifting to digital where it makes sense, reducing overreliance on calls while improving engagement.

Tracking Builds Compliance and Performance

Reg F requires thorough tracking of every communication. But the best agencies use that data for more than just audits. Message logs, delivery reports, consent records, and opt-out tracking also support better campaign performance and faster decision-making.

The right platform makes this automatic and reliable.

Reg F Confirms the Digital Shift

Reg F didn’t create the need for digital. It validated it. Agencies that have already invested in digital-first strategies are now better positioned to:

• Lower costs
• Improve consumer satisfaction
• Accelerate payments
• Minimize compliance risk

The rules are clear, and the market is ready. What matters now is execution.

Our eBook, “Maximizing Collections with Smarter Digital Communication Strategies”, outlines how experienced agencies are improving outcomes by making digital work harder—and staying compliant every step of the way.

Ready to talk now? Contact us today!

About the Author

Frank Woodhouse is the Digital Product Manager for Financial Services at RevSpring and brings over 33 years of experience in collections, operations, and debt purchasing. As the founder of Alpha Recovery Corp., Frank grew the agency into a high-performing operation with over 100 collectors and offices in Colorado and Arizona. Today, he helps ARM organizations accelerate payments through digital-first strategies.